Every number on this site belongs to one of four classes, and each class has its own rule.
Comparison sites tend to scatter their methodology across a terms page, a footnote and an about page, so no reader can reconcile them. This is the whole of ours, on one page, with the reference profiles written out. If a figure appears anywhere on InsuranceGenie.ca, it carries a class marker that links here.
Class A — Panel quote data
Premiums generated by participating insurers’ rating software through our request flow. Reported only as a range with a stated reference profile, a stated period, and a stated count. Never described as a market average.
Marker: A · Panel
Class B — Regulator and industry data
Figures published by FSRA, the AIRB, GISA, the provincial superintendents and Statistics Canada. Always attributed to the issuing body with its reference period, and linked to the source document.
Marker: B · Regulator
Class C — Client outcomes
A specific person’s renewal offer compared against what they were actually quoted and bound. Requires a substantiation record, written consent to publish, and a licensed verifier. Expires after 12 months.
Marker: C · Verified outcome
Class D — Survey and research
Commissioned or in-house research. Published with sample size, field dates, sampling frame, margin of error and the name of the firm that fielded it. Never published without all five.
Marker: D · Research
The profiles behind every Class A figure.
A panel premium is meaningless without the risk it was priced for. These are held fixed, published, and versioned — when a profile changes, the change and its date appear here and every figure built on the old profile is restated or retired.
| Profile | Definition | Version |
|---|---|---|
| Auto — AG1 | 42-year-old, G licence held 20 years, no at-fault claims or convictions in 6 years, continuously insured 10 years, 2021 Honda CR-V, 15,000 km/yr commute, $1,000 deductible, standard endorsements. | v3 · Jan 2026 |
| Auto — AG2 | New driver, G2, 22 years old, no claims, listed as principal operator on a 2016 Honda Civic, $1,000 deductible. Used for young-driver and G2 pages only. | v2 · Jan 2026 |
| Home — HG1 | Detached, 1,900 sq ft, built 1998, brick veneer on wood frame, gas heat, roof replaced within 10 years, $700,000 rebuild cost, no claims in 8 years, full water package including overland and sewer backup. | v3 · Jan 2026 |
| Business — BG1 | Owner-operated service business, 4 employees, $750,000 annual revenue, leased premises, $2M CGL, $2M E&O, $50,000 contents, no claims in 5 years. | v2 · Jan 2026 |
A single fixed profile is a benchmark, not a market. Two households on the same street can differ by more than the gap between any two profiles here. That is why no page on this site presents a profile figure as “the average premium in” a place.
How a savings figure is calculated, and what it is measured against.
Against what the client was actually paying.
A savings figure is the difference between the client’s own renewal offer — documented, same coverage, same limits, same deductibles — and the premium they were quoted and bound. Coverage must be equal or better. If the new policy is cheaper because it covers less, it is not a saving and we do not count it.
We report a range and a median across a named 12-month window, plus the share of requests that saved nothing. That last number is published because a savings figure without it is a selection effect.
Measure savings inside our own panel.
A common industry method compares the lowest quote a platform produced against the average of the second and third lowest quotes it produced. That measures how much the panel disagrees with itself. It says nothing about what the consumer was paying before, and it cannot be zero — a panel always has spread.
Presented to a consumer as “savings”, it is a representation about the effect of switching that the underlying data does not support. We do not use it.
| Published figure | Basis | Window | Requests | Saved nothing |
|---|---|---|---|---|
| Auto — Ontario | Bound premium vs documented renewal, equal or better coverage | Rolling 12 months | Published with the figure | Published with the figure |
| Home — Ontario | As above | Rolling 12 months | Published with the figure | Published with the figure |
| Business — all provinces | As above, plus limits and endorsements compared line by line | Rolling 12 months | Published with the figure | Published with the figure |
Until a rolling 12-month window of bound outcomes exists under the new consent and substantiation regime, these cells stay empty and no site-wide savings headline runs. An empty cell is a launch cost. A fabricated one is a Competition Act problem.
What we do not claim.
- We do not compare the whole market. We compare the participating insurers available through the licensed organizations on our panel. Direct writers who sell only through their own channels are not in it, and neither is every broker market.
- A quote here is not a bound price. It is produced from unverified answers. A licensed professional confirms your history, and the confirmed premium governs. We say so at the form.
- We do not rank by who pays us. Compensation is flat and identical per accepted request across every partner. Ordering is by price and coverage fit.
- We do not publish a figure we cannot source. No premium estimate, cost range or statistic appears without a class marker and a source.
- We do not present a profile premium as a market average.
- We do not carry a number past its expiry. Class C outcomes expire at 12 months. Class B figures are restated when the regulator restates them.
Corrections
When we get a number wrong we correct it in place, add a dated correction note at the foot of the page, and leave the note there permanently. Corrections are listed in a public log.
| Review cadence | Every published figure reviewed quarterly; regulator figures on publication |
|---|---|
| Owner | Named reviewer on the editorial team, listed on the editorial policy page |
| Retention | Substantiation records 7 years |
| Correction log | Public, dated, permanent |
Reviewed quarterly means the review is scheduled and logged, not that a date stamp is regenerated. A page whose “updated” date moves while its 2023 figures do not is worse than an honest old date.
Ask us anything about a number on this site.
Every figure has an owner, a source and a date. If one does not add up, tell us and we will correct it in public.
Is the price I see the price I pay?
Do you compare every insurer in Canada?
Where do your premium figures come from?
Why do some pages have no savings figure?
Who checks this?
From Insurance Genie
Recent policy purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
